Savings & CDs

Certificates of Deposit (CD): Our certificates of deposit can be invested for a variety of terms ranging from 30 days to 5 years and pay competitive interest rates. Interest rate is determined by the term selected and fixed for that term. Unless stated, we require a minimum deposit of $5,000 to open. A penalty may be imposed for early withdrawal of a CD account or early withdrawal of an IRA. Fees or withdrawals will reduce earnings.

Investors Savings: A tiered interest bearing savings. To encourage the start of a lifetime of savings habits for minors, we waive all balance requirements on this account for them. Minimum balance to open is $250.

Fees or withdrawals will reduce earnings. Please contact one of our bankers for full details.

Checking

We have the products and services to grow with you and help you create long-range financial plans. We offer several checking plans that include Investors Online Banking and Investors Bill Pay and can be customized to fit your needs:

Investors Choice Checking* : Earn interest on your checking account! To avoid a monthly service charge, we require a daily minimum balance of $2,000 or an average* monthly balance of $10,000 in checking OR $25,000 in other savings and certificate products. Minimum balance to open is $100.

Investors Select Checking* : No interest, but also NO RESTRICTIONS on activity. You have 3 options to choose from to avoid a monthly service charge; either maintain a daily minimum balance of $500, an average* monthly balance of $1,500 in checking, or $3,000 in other savings and certificate products. Minimum balance to open is $100.

Investors Basic Checking* : Don’t want a minimum balance? You only write a few checks a month? This account is perfect for you: no minimum balance required. You pay a $5 monthly service charge which allows you to make 10 withdrawals per month, pay $0.50 for each withdrawal over 10. Minimum balance to open is $100.

* Average Balance Calculation - The average balance is calculated by adding the principal ledger balance for each day of the month and dividing that figure by the number of days in the month.

Important information about procedures for opening a new account: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Deposit Rates

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Product Name / Minimum Opening Deposit

Balance Tiers / Minimum Term Length

Interest Rate

APY

Certificate 0 to < 3 Months

1 Month

1.05%

1.05%

$5,000 (1)

Certificate 3 to < 6 Months

3 Months

1.25%

1.25%

$5,000 (1)

Certificate 6 to < 12 Months

6 Months

1.65%

1.65%

$5,000 (1)

Certificate 1 to < 2 Years

12 Months

2.50%

2.50%

$5,000 (1)

Certificate 2 to < 3 Years

24 Months

2.80%

2.80%

$5,000 (1)

Certificate 3 to < 4 Years

36 Months

3.05%

3.05%

$5,000 (1)

Certificate 4 to < 5 Years

48 Months

3.15%

3.15%

$5,000 (1)

5 Year - 60 Month Certificate

60 Months

3.30%

3.30%

$5,000 (1)

Investors IRA *

24 Months

2.50%

2.50%

$100 (1)

Investors Savings

$0.00 - $9,999.99

0.40%

0.40%

$250 (2)

$10,000.00 - $24,999.99

0.45%

0.45%

$25,000.00 - $49,999.99

0.50%

0.50%

$50,000.00 - $149,999.99

0.55%

0.55%

$150,000.00 - $499,999.99

0.65%

0.65%

$500,000.00 - $999,999.99

0.80%

0.80%

$1,000,000.00 and above

0.80%

0.80%

ICB Money Market

$0.00 - $9,999.99

0.85%

0.85%

$2,500 (3)

$10,000.00 - $99,999.99

1.35%

1.36%

$100,000.00 and above

1.75%

1.76%

Investors Choice Checking

$0.00 - $9,999.99

0.40%

0.40%

$100 (2)

$10,000.00 - $24,999.99

0.50%

0.50%

$25,000.00 - $49,999.99

0.60%

0.60%

$50,000.00 - $149,999.99

0.65%

0.65%

$150,000.00 - $499,999.99

0.70%

0.70%

$500,000.00 - $999,999.99

0.70%

0.70%

$1,000,000.00 and above

0.80%

0.80%

Investors Health Savings Account

$0.00 - $9,999.99

1.10%

1.10%

$0

$10,000 - $24,999.99

1.10%

1.10%

$25,000,00 - $49,999.99

1.60%

1.61%

$50.000.00 - $149,999.99

1.60%

1.61%

$150,000.00 - $499,999.99

1.60%

1.61%

$500,000.00 - $999,999.99

1.60%

1.61%

$1,000,000.00 and above

1.60%

1.61%

(1) CERTIFICATE OF DEPOSIT PRODUCTS - These are term investments, a penalty may be imposed for early withdrawal.

(2) INTEREST BEARING SAVINGS AND CHECKING PRODUCTS - These are variable rate accounts without maturity terms; the rate(s) and APY(s) may change after the account is opened. Fees could reduce earnings on the account.

(3) Annual Percentage Yield valid as of today’s date. A $2,500 minimum deposit is required to open the account as well as a $2,500 daily minimum balance to avoid a $15 monthly service charge. This is a variable rate account; rate may change after the account is opened. Fees could reduce the earnings on the account. Early closure penalty if closed prior to 120 days after opening. ICB Money Market available to new ICB deposit customers only or to existing ICB deposit customers who open an ICB Money Market with a minimum $20,000 of money not already on deposit with ICB.

* This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.

The interest rates may be different for: Institutional investors, large Investments of $500,000 or more and for investors from outside of Wisconsin. Please call for a rate quote: 1-888-686-9998. Interest rates and APY are current as of today's date and rates are subject to change at anytime.

All interest rates on this page apply to our deposit interest accounts.

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